Compare Savings vs. CDs
Comparison of Deposit Account from The Farmers State Bank of Brush with 0.45% - May 2025


Long-Term Analysis of Commonwealth National Bank with 0.16% APY and The Farmers State Bank of Brush with 0.45% APY and FirstOak Bank with 0.60% APY and The Gratz Bank with 0.40% APY and The Benton State Bank with 0.15% APY

This analysis is for demonstrative purposes only. Savings rates may go up or down, and CD rates may not be renewable for the length of the term of the analysis.

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$
PRODUCT
BANK
APY
STATE
AMOUNT
TERM
BANK TYPE
VS.NAT.AV.
MIN
  • 1
    LOCAL CD
    0.16%
    -
    $50,000
    12 Month
    Bank
    0.29x (National Avg. - 0.55%)
    $10,000
     
    SCENARIO
    Year Rate
    0.16%
    Annual
    Interest
    Annual Interest
    (After Tax)
    1 50,000 80 56
    2 50,080 80 56
    3 50,160 80 56
    4 50,240 80 56
    5 50,321 81 56
    6 50,401 81 56
    7 50,482 81 57
    8 50,563 81 57
    9 50,644 81 57
    10 50,725 81 57
    11 50,806 81 57
    12 50,887 81 57
    13 50,968 82 57
    14 51,050 82 57
    15 51,132 82 57
    16 51,214 82 57
    17 51,295 82 57
    18 51,378 82 58
    19 51,460 82 58
    20 51,542 82 58
    TOTAL $1,625 $1,137
  • 2
    LOCAL CD
    0.45%
    -
    $50,000
    12 Month
    Bank
    0.82x (National Avg. - 0.55%)
    $10,000
     
    SCENARIO
    Year Rate
    0.45%
    Annual
    Interest
    Annual Interest
    (After Tax)
    1 50,000 225 158
    2 50,225 226 158
    3 50,451 227 159
    4 50,678 228 160
    5 50,906 229 160
    6 51,135 230 161
    7 51,365 231 162
    8 51,596 232 163
    9 51,829 233 163
    10 52,062 234 164
    11 52,296 235 165
    12 52,531 236 165
    13 52,768 237 166
    14 53,005 239 167
    15 53,244 240 168
    16 53,483 241 168
    17 53,724 242 169
    18 53,966 243 170
    19 54,209 244 171
    20 54,453 245 172
    TOTAL $4,698 $3,288
  • 3
    LOCAL CD
    0.60%
    -
    $50,000
    48 Month
    Bank
    0.74x (National Avg. - 0.82%)
    $10,000
     
    SCENARIO
    Year Rate
    0.60%
    Annual
    Interest
    Annual Interest
    (After Tax)
    1 50,000 300 210
    2 50,300 302 211
    3 50,602 304 213
    4 50,905 305 214
    5 51,211 307 215
    6 51,518 309 216
    7 51,827 311 218
    8 52,138 313 219
    9 52,451 315 220
    10 52,766 317 222
    11 53,082 318 223
    12 53,401 320 224
    13 53,721 322 226
    14 54,044 324 227
    15 54,368 326 228
    16 54,694 328 230
    17 55,022 330 231
    18 55,352 332 232
    19 55,684 334 234
    20 56,019 336 235
    TOTAL $6,355 $4,448
  • 4
    LOCAL CD
    0.40%
    -
    $50,000
    18 Month
    Bank
    0.69x (National Avg. - 0.58%)
    $100,000
     
    SCENARIO
    Year Rate
    0.40%
    Annual
    Interest
    Annual Interest
    (After Tax)
    1 50,000 200 140
    2 50,200 201 141
    3 50,401 202 141
    4 50,602 202 142
    5 50,805 203 142
    6 51,008 204 143
    7 51,212 205 143
    8 51,417 206 144
    9 51,623 206 145
    10 51,829 207 145
    11 52,036 208 146
    12 52,245 209 146
    13 52,454 210 147
    14 52,663 211 147
    15 52,874 211 148
    16 53,085 212 149
    17 53,298 213 149
    18 53,511 214 150
    19 53,725 215 150
    20 53,940 216 151
    TOTAL $4,156 $2,909
  • 5
    LOCAL CD
    0.15%
    -
    $50,000
    6 Month
    Bank
    0.37x (National Avg. - 0.41%)
    $100,000
     
    SCENARIO
    Year Rate
    0.15%
    Annual
    Interest
    Annual Interest
    (After Tax)
    1 50,000 75 53
    2 50,075 75 53
    3 50,150 75 53
    4 50,225 75 53
    5 50,301 75 53
    6 50,376 76 53
    7 50,452 76 53
    8 50,527 76 53
    9 50,603 76 53
    10 50,679 76 53
    11 50,755 76 53
    12 50,831 76 53
    13 50,907 76 53
    14 50,984 76 54
    15 51,060 77 54
    16 51,137 77 54
    17 51,214 77 54
    18 51,290 77 54
    19 51,367 77 54
    20 51,444 77 54
    TOTAL $1,522 $1,065

    All calculations are for demonstration purposes only.

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